To file a claim against the City for bodily injury, auto, and property damage, you must complete the General Claim Form. In Pennsylvania, you have the right to elect one two (2) types of automobile insurance; full tort or limited tort.The limited tort option and its effect on your claim for compensation if you are injured in a motor vehicle accident in Pennsylvania. Step 1: Know the Exceptions. It happens every day throughout the country. Full tort policies allow households to receive compensation for ALL damages related to an auto accident. Limited tort entitles you to LESS compensation. Tort law has a long history, but is still one of the most commonly filed civil court cases. Is full tort the same as full coverage? The short answer is no.